Credit card debt is an embarrassment to many Americans. It is especially embarrassing, apparently, to people who earn a lot.

Most people don’t think of their credit card as anything more than a convenient way to pay. It’s for groceries, fuel, online shopping, subscriptions, the occasional big bill. The card gets paid off, the cycle repeats, and that’s that.

According to the chatbot, ending credit card use would slash consumer spending, hurt banks, kill rewards, weaken credit scores, and boost BNPL adoption.

Kansas and Missouri state law have no maximum surcharge, so the maximum allowed in both states is capped by federal law at 4%. Planos warns people to make sure they are aware of their purchases, whether it includes making sure you get a receipt, or talking to the merchant about the price you are paying.

A low credit score shuts many doors. Personal loans become expensive or unavailable. Regular credit cards are declined without much explanation. For people trying to rebuild their financial footing, this can feel like a dead end.